Boniface is a married man. He has 2 children, aged one and 11. He describes himself as a determined and efficient man. He operates a restaurant where he sells doughnuts and snacks. He has been involved in this business for 3 years. His business is located within a viable business area and his primary customers are local residents. He describes his biggest business challenge to be high prices of ingredients. He will use the KES 20,000 loan to buy baking flour and cooking oil for preparing snacks and doughnuts to sell. His business goal is to run another restaurant within 5 years. He hopes that in the future, he will be able to buy land and build a house. This is his first loan with SMEP DTM. He is also employed as a security guard which increases his income.